Compare business credit cards for startups | finder.com
business credit cards for startups

Compare business credit cards for startups

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Many business credit cards offer helpful benefits for startups.

Running a startup is never easy. You’re juggling multiple priorities at any given moment — including, of course, your company’s finances.

A business credit card can be your best friend for covering last minutes expenses. There are lots of choices catering to startups, so compare the annual fees, benefits and rewards to find the best card for your startup.

Our pick for startups

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 annual fee
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Compare business cards for startups

Updated February 22nd, 2019
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
18.24% to 23.24% variable

N/A

$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
15.49% to 21.49% variable
0% for the first 12 months (then 15.49% to 21.49% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
15.49% to 21.49% variable
0% for the first 12 months (then 15.49% to 21.49% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
None (Charge Card)

N/A

$0
The first corporate card for startups. No personal liability or security deposit needed, meaning your personal credit score won't be affected.
17.99% to 25.99% variable

N/A

$0 annual fee for the first year ($99 thereafter)
70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening

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Best business credit cards for startups

There are many business cards on the market, but it’s likely only a few offer benefits that meet your specific needs. Here are a few of our top picks.

Jump to …

Best for travel: Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 annual fee
Read less
Read more
Promoted
This is one of your best choices if you travel often. You’ll earn accelerated points on travel and other business categories. And when you redeem points through Chase Ultimate Rewards, they’re worth 25% more.

Best for intro APR: Blue Business℠ Plus Credit Card

Blue Business℠ Plus Credit Card

Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions.

See Rates & Fees
Promoted

If you need to take on interest-free debt for longer than a month, you’ll want a card with a strong intro APR. The Blue Business℠ Plus Credit Card from American Express is one of your top options, offering one of the longest zero-interest promotions you’ll find among business cards.

Best for average credit: Spark® Classic for Business

Spark® Classic for Business

Get the credit you want for your business and unlimited 1% cash back on every purchase, every day.

Promoted
When you’re bootstrapping your startup, you might not have the best credit, from running up high balances or taking out loans. When other cards might be out of reach, the Spark® Classic for Business may be a viable option.

Best for limiting debt: American Express® Business Gold Card

American Express® Business Gold Card

Earn 4x points on two categories of your choice on up to $150,000 in combined purchases annually, then 1x points. Earn 1x points on all other purchases.

See Rates & Fees
Promoted

If you’re worried about running up high balances on your card, you can keep yourself in check with the American Express® Business Gold Card. That’s because it’s a charge card, meaning you must pay off your balance each month unless you opt to use the Pay Over Time feature. Luckily, it’s also a strong rewards card, which can balance the steep annual fee.

Best for flat cash back: Spark® Cash from Capital One®

Business Advantage Travel Rewards World Mastercard® credit card

Earn more travel rewards for your business purchases

Promoted

If your expenses spread through many categories, like office supplies, travel and shipping costs, a flat-rate rewards card like the Spark® Cash from Capital One® might help. It offers unlimited 2% cash back on all purchases.

If you don’t want to pay an annual fee, try the Spark® Cash Select from Capital One®. And if you want flat travel rewards, try the Spark® Miles from Capital One® or Spark® Miles Select from Capital One®.

How to compare business credit cards for startups

  • Annual fee. When cash is tight, you might not want the expense of an annual fee. There are solid no-annual-fee business cards, though you’ll earn more powerful rewards with cards you have to pay for.
  • Signup bonus. If you anticipate heavy purchases in the next few months, you could breeze past the spending requirement for a card’s signup bonus. Business credit cards often have more impressive bonuses than personal cards.
  • Intro APR. This could be the answer if you’ll rack up debt soon but need several months to pay it off. Intro APRs for business cards tend to top off at around 15 months.
  • Rewards. A card with strong rewards can pay for itself. If your card has tiered rewards, check that your startup has significant expenses in the right categories. If your expenses are spread evenly throughout many categories, you might get more out of a flat-rewards card.

Bottom line

Your startup faces unique challenges, which some cards can address more effectively than others. Compare options that give your rewards, balance transfers and an annual fee you can afford.

If you’d like to compare more products, visit our guide on business credit cards.

Frequently asked questions

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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